Credit Card Worth
Tell us how you spend. We'll tell you which Canadian credit card actually pays you back - after fees, welcome bonuses, and category caps.
Your monthly spending
Your best match
Scotiabank - Gold American Express
Year 1 you'll earn about $1126 net (after the fee, plus the welcome bonus). Ongoing: about $726/year. Solid pick for your spending.
Year 1 net
$1,126
Ongoing per year
$726
Welcome bonus
$400
Smarter: pair two cards
Hold both → +$96/yr vs one card
Pair Scotiabank Gold American Express with BMO CashBack World Elite Mastercard and put each kind of spending on the card that pays more:
How every card stacks up for your spending
Scotiabank Gold American Express
$120 fee · 6% on Sobeys, Safeway, IGA, Foodland, Farm Boy
ongoing
BMO eclipse Visa Infinite
$120 fee · 5% on Groceries
ongoing
BMO CashBack World Elite Mastercard
$120 fee · 5% on Groceries
ongoing
Neo Financial World Elite Mastercard
$149 fee · 5% on Groceries (up to 5%)
ongoing
American Express Cobalt Card
$155.88 fee · 5% on Groceries
ongoing
CIBC Dividend Visa Infinite
$120 fee · 4% on Groceries
ongoing
Scotiabank Momentum Visa Infinite
$120 fee · 4% on Groceries
ongoing
Canadian Tire Bank Triangle Mastercard
$0 fee · 4% on Canadian Tire / Sport Chek / Mark's / Atmosphere
ongoing
PC Financial PC Optimum World Elite Mastercard
$0 fee · 3% on Loblaws, Shoppers Drug Mart, No Frills, Real Canadian Superstore
ongoing
American Express SimplyCash Card
$0 fee · 2% on Gas (2%)
ongoing
TD Cash Back Visa Infinite
$139 fee · 3% on Groceries
ongoing
Rogers Bank Red World Elite Mastercard
$0 fee · 3% on U.S. dollar purchases (3%)
ongoing
MBNA Rewards World Elite Mastercard
$120 fee · 5% on Groceries (first $500/month)
ongoing
CIBC Costco Mastercard
$0 fee · 3% on Restaurants (3%)
ongoing
KOHO KOHO Mastercard (Essential)
$0 fee · 2% on Groceries
ongoing
Tangerine Money-Back Mastercard
$0 fee · 2% on Choose 2 of 10 categories (groceries, gas, dining, etc.)
ongoing
Scotiabank Passport Visa Infinite
$150 fee · 3% on Groceries (Sobeys family)
ongoing
Scotiabank Scene+ Visa
$0 fee · 2% on Sobeys-family groceries
ongoing
National Bank World Elite Mastercard
$150 fee · 2% on Groceries
ongoing
BMO CashBack Mastercard
$0 fee · 3% on Groceries (3%, first $500/statement)
ongoing
Wealthsimple Visa Infinite + Card
$240 fee · 2% on Everything - flat 2% on all purchases, no caps, no categories
ongoing
Simplii Financial Cash Back Visa
$0 fee · 4% on Restaurants
ongoing
Brim Financial World Elite Mastercard
$0 fee · 2% on Foreign purchases
ongoing
Wealthsimple Cash Card (Prepaid Visa)
$0 fee · 1% on All purchases
ongoing
Neo Financial Neo Mastercard
$0 fee · 15% on Rotating merchant partners
ongoing
Capital One Aspire Cash Platinum Mastercard
$0 fee · 1% on All purchases
ongoing
Home Trust Preferred Visa
$0 fee · 1% on All purchases
ongoing
TD Aeroplan Visa Infinite
$139 fee · 1.5% on Groceries
ongoing
RBC Avion Visa Infinite
$120 fee · 1.25% on Travel booked through Avion
ongoing
American Express Gold Rewards Card
$250 fee · 2% on Groceries
ongoing
Home Trust Secured Visa
$0 fee · 0% on
ongoing
American Express Aeroplan Reserve Card
$599 fee · 3% on Air Canada purchases (3x)
ongoing
American Express Platinum Card
$799 fee · 3% on Restaurants
ongoing
If you have American Express Platinum Card...
This card loses you about $429/year after the fee and cap effects. Your spending doesn't match the card's earning categories. Switching to the top match saves you roughly $1,155/year.